Privacy Policy

Last updated: May 2026

This Privacy Policy describes how ParityPoint LLC ("ParityPoint," "we," "us") collects, uses, and protects information when you use the Service.

1. Data We Collect

We collect three categories of information.

Policy and analysis inputs you provide

Information you manually enter to generate your analysis, including age, gender, health class, carrier name, premium amount, death benefit, and projected policy values from your illustration. We do not request or store your insurance policy number, social security number, medical history, or any direct identifier linking the data to your specific carrier policy on file.

Account and contact information

Your email address, used to deliver your completed report via secure link and to allow you to access your analyses later.

Technical information

IP address, browser type, device information, and session data, collected automatically when you use the Service for security, fraud prevention, and operational purposes.

We do not collect, store, or have access to your payment card information. Payments are processed by Stripe, Inc., which collects card data directly. See Stripe's Privacy Policy.

2. How We Use Your Data

We use the information we collect to:

  • generate the analysis and report you have requested;
  • deliver your report and provide ongoing access via secure link;
  • process your payment (through Stripe);
  • communicate with you about your purchase, your report, or material changes to the Service;
  • detect and prevent fraud or abuse;
  • understand and improve how the Service is used.

Personnel Review

In limited circumstances, our personnel may access your analysis or input data to provide customer support, troubleshoot technical issues, verify calculation accuracy, or improve the Service. Personnel are bound by confidentiality obligations, and access is logged. We do not review or use your data for any purpose other than operating and improving the Service.

3. Service Providers

We use a small number of third-party service providers to operate the Service. These providers process data on our behalf under contractual confidentiality obligations and are not authorized to use your data for their own purposes.

  • Stripe, Inc. — payment processing
  • Supabase, Inc. — database hosting and authentication
  • Vercel, Inc. — application hosting and content delivery
  • Resend, Inc. — transactional email delivery
  • Plausible Analytics — privacy-respecting site analytics

We may add or change service providers as the Service evolves. Material changes affecting personal data will be reflected in updates to this Privacy Policy.

4. Data Retention and Deletion

We retain your analyses and account information for as long as you maintain access to the Service so that you can revisit your reports in the future. You may delete your analyses and associated data at any time through the Service. Deletion is processed automatically and typically completes within a few minutes.

If you wish to delete your data but are unable to do so through the Service, you may contact us at the address below. We will acknowledge deletion requests within 7 days and complete deletion within 30 days, except where retention is required for legal, accounting, or fraud-prevention purposes (for example, retaining records of completed transactions for tax compliance).

5. Data Sharing

We do not sell, rent, or lease your personal or financial data. We share data only with the service providers listed in Section 3, as required by lawful subpoena or legal process, or in connection with a sale, merger, or restructuring of the business (in which case material privacy terms will be honored by any successor entity). If we receive a lawful request for your data, we will notify you to the extent permitted by law before complying.

6. Marketing Communications

When you purchase an analysis, we may send you transactional emails (receipt, report delivery, access reminders). These emails are necessary to deliver the Service and you cannot opt out of them while you maintain an active account.

We may also send occasional product updates, new feature announcements, or related communications. These messages are commercial and require your separate consent. You may unsubscribe at any time using the link at the bottom of any commercial message, with no effect on transactional emails. Every commercial email includes the physical mailing address required by the CAN-SPAM Act.

7. Security

We use HTTPS encryption in transit, encrypted database storage, access controls, authentication safeguards, and regular security review by the third-party providers listed in Section 3. No system is completely secure, and we cannot guarantee absolute security.

8. Data Breach Notification

In the event of a data breach affecting your personal information, we will notify you and applicable regulators in accordance with applicable state and federal data breach notification laws.

9. Children's Privacy

The Service is intended for adults considering or holding life insurance policies. It is not directed to children under 13, and we do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us so we can promptly delete it.

10. Geographic Scope

The Service is offered to and intended for users located in the United States. We do not actively market the Service to users in the European Union, the United Kingdom, or other regions. If you access the Service from outside the United States, your information will be transferred to and processed in the United States, where data protection laws may differ from those of your jurisdiction.

11. Analytics

We use Plausible Analytics to understand aggregate site traffic patterns (such as page views and traffic sources). Plausible does not use cookies, does not collect personal data, and does not track individual users. We may add additional analytics tools in the future; any analytics tool that collects individual-level data will be disclosed in this Privacy Policy before being added.

12. California Residents — Your Privacy Rights (CCPA / CPRA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):

  • Right to Know. You may request disclosure of the categories and specific pieces of personal information we have collected about you.
  • Right to Delete. You may request deletion of personal information we have collected from you, subject to certain exceptions.
  • Right to Correct. You may request correction of inaccurate personal information we hold about you.
  • Right to Opt Out of Sale or Sharing. We do not sell or share your personal information for cross-context behavioral advertising.
  • Right to Limit Use of Sensitive Personal Information. Financial information may constitute sensitive personal information under California law. We use your financial inputs solely to generate the analysis you have requested and do not use them for any secondary purpose.
  • Right to Non-Discrimination. We will not discriminate against you for exercising any of these rights.

Authorized Agents

You may designate an authorized agent to make a request on your behalf. We may require verification of the agent's authority and of your identity before processing.

Verification

To protect your information, we verify requests by confirming the email address associated with your account or analysis. We may request additional information to verify your identity for sensitive requests. To exercise these rights, please contact us at the address below. We will respond to verifiable requests within 45 days as required by applicable law.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you by email (to the address associated with your account) or by prominent notice within the Service before the changes take effect. The "Last Updated" date at the top of the Policy reflects the most recent revision. Your continued use of the Service after a change takes effect constitutes your acceptance of the revised Policy.

14. Contact

For privacy questions, deletion requests, or to exercise any of the rights described in this Policy, contact us at:

ParityPoint LLC
[Street Address]
[City, State ZIP]
Email: [contact@paritypoint.com]

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